How to Take Advantage of Discover’s Cashback Bonus

You use your credit card all the time. Wouldn’t it be nice to be rewarded for your everyday purchases?

Discover it® is a credit card that gives you Cashback rewards on every purchase, allowing you to rack up bonuses, save money with exclusive discounts for a variety of retailers, and boost the value of gift cards. Your Cashback never expires, and you can redeem it in any amount, at any time.1

By understanding how Discover’s Cashback Bonus program works, you’ll earn Cashback on the things you buy.

Maximize Your Earning Potential

You automatically earn 1% Cashback on all purchases you make with your Discover it® card, but the earning potential doesn’t stop there. Each quarter when you sign up, Discover will give you 5% Cashback on purchases from a rotating selection of categories that change each quarter up to the quarterly maximum.

You can also save money on purchases while earning a Cashback Bonus by using Discover Deals. Get access to discounts at a variety of retailers and enjoy the convenience of instant savings at checkout. You can search for deals from anywhere with the Discover mobile app.

Right now, Discover will match all the Cashback Bonus you earn at the end of your first year — for new cardmembers only.2 And if you refer a friend to a Discover card, you both could get Cashback Bonus worth $50.3

Earn big‑time cash back that never expires.


Earn big‑time cash back that never expires.


Get the credit card that's got it all: Discover it®.

Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.


Discover it® gives you big‑time cash rewards with 100% U.S.‑based customer service.  

Earn big-time cash back that never expires with Discover it. See Rewards

Redeem Cashback in Any Amount, Any Time

Now that you’ve earned all that Cashback, what can you do with it? Discover offers many ways to redeem what you’ve earned. Stocking up on gift cards? Get added value by by using your Cashback Bonus to pay for them — you can increase a gift card’s value by at least $5.

Prefer to just cash out? You have a choice between receiving a statement credit to your next credit card bill, or just having that cash deposited directly into your bank account. It’s a quick and easy way to pay yourself back.

You also have the option to pay with your Cashback Bonus at You can use your Cashback Bonus to donate to charity, as well. Even better, Discover donates $25,000 to the charity that cardmembers donate to the most each year.

Make Your Purchases Work for You

By fully taking advantage of the Discover Cashback Bonus program, your purchases earn you lots of discounts and deals. The program is easy to use and accessible from the Discover website and mobile app. It’s one of the many benefits of card membership that makes the money you spend work harder for you.

1 We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months.

2 After the first 12 consecutive billing periods that your new account is open, we will match all the Miles you’ve earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the Miles reward program at the time we calculate your potential award, your Miles will not be matched. You’ve earned Miles rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

3 You will receive a $50 Cashback Bonus referral reward if your friend applies for the specific offer you send via the link provided and is approved by March 14, 2016. Maximum 10 referral rewards ($500) per calendar year. You are not eligible to refer a friend if you have a Discover® Business card, Discover® Business Miles card, Essential by Discover® card, Escape by Discover® card, Miles by Discover® card, or Discover it® Miles card. Your account must be in good standing to receive your referral reward. Each eligible friend will receive a $50 Cashback Bonus after making a purchase within three months of opening a new Discover account. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. You will not be notified whether a specific referral was approved or declined. Please allow up to 5 weeks for Cashback Bonus to post to your account after each referral is approved. The Cashback Bonus you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.

Legal Disclaimer: The articles and information provided herein are for informational purposes only and are not intended as a substitute for professional advice. 

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Earn big-time cash back that never expires with Discover it. See Rewards